Top Rated Vehicle Insurance Companies in the UAE (2025 Guide)

With a score of insurers offering different policies, a good, reasonable, and full-coverage motor vehicle policy can be overwhelming to obtain.

To make it easier, we’ve researched and ranked the top-rated vehicle insurance companies in the UAE for 2025. From digital-first platforms to established Takaful providers, this guide highlights five leading names—Shory, Awnic, ADNTC, Salama, and Orient that stand out for their customer satisfaction, claim efficiency, and policy flexibility.

What is the Best Vehicle Insurance in the UAE?

The top car insurance in the UAE offers a balance of low prices, wide coverage, and convenient claims. Whether it is for a sedan, SUV, or a luxury vehicle, the top policy should include:

- Comprehensive or third-party liability cover

- Agent or non-agent repairs

- Personal accident cover

- Roadside assistance

Optional covers like off-road, GCC cover, and car replacement

Let's take a look at the top-rated companies that perform well on these parameters consistently.

1. Shory – Leading Online Portal to Compare and Buy Car Insurance

Shory isn't an insurance provider but the leading online insurance portal in the UAE that allows you to compare, customize, and buy car insurance within minutes. It is partnered with dozens of well-reputed UAE insurance providers and provides users with the ability to:

- Instant comparison of several quotes

- Filtering according to coverage provider, type of coverage, or add-ons

- Paperless purchase online

- Access policy documents in real-time via email

Shory is ideal for motorists who like convenience and simplicity. You can compare Awnic, ADNTC, Salama, Orient, and numerous other quotes on a single dashboard. For third-party liability on a second vehicle or comprehensive cover on a luxury vehicle, Shory finds the best deals within seconds.

For technology-conscious drivers who would rather not bother and want to make smart insurance decisions on the go, Shory is the best UAE motor insurance comparison website.

2. Awnic – Easy E-Insurances with Great Customer Service

Awnic (Al Wathba National Insurance Co.) has made its name for aggressively building digital muscle and quick response customer care. It is among the few homegrown players that specializes in issuing policies without paper, hence being a darling among car purchasing millennials and repeat car buyers.

Awnic provides:

Third-party and comprehensive insurance

24/7 roadside assistance

Adjustable deductibles and add-ons

Easy mobile and online policy handling

Their claims process is highly transparent with 3 to 5 working days average time of approval for ordinary claims. Awnic is most suitable for individuals who want a hybrid experience—powerful tech + personalized customer service.

If you need safe vehicle insurance in the UAE with digital first approach, then Awnic is one of the best.

3. ADNTC – Takaful-Based Coverage with Local Expertise

The Abu Dhabi National Takaful Company (ADNTC) offers automobile insurance under the Takaful model, ensuring Islamic-compliant policy cover by ethical investment. Stability at ADNTC, claim integrity, and customer satisfaction make it a leading one among Abu Dhabi and UAE's insurers.

ADNTC insurance packages encompass:

Agency repairs for up to 3 years

Road assistance with no cost

Natural disaster protection

Add-ons for car replacement

It is what sets ADNTC apart that is its strong focus on ethics and transparency. UAE residents and nationals who utilize Takaful use ADNTC for car insurance, both commercial and personal.

If you're searching for Shariah-compliant UAE motor insurance with working benefits and low premiums, then ADNTC is not something to be overlooked.

4. Salama – Best for Takaful Motor Insurance Tailor-making

Salama (Islamic Arab Insurance Company) is the oldest Takaful operator and regional giant. It offers vehicle insurance solutions that address Islamic principles and prevailing cover needs.

Salama motor covers offer:

Third-party cover and comprehensive cover

GCC cover, personal accident, and off-road cover (optional)

Online buying and renewal option

Instant claim settlement at approved garages

What Salama does best is balance of price and tailoring. Policies are ideal for family, expat, and fleet customers seeking ethical protection at the cost of nothing being sacrificed on flexibility.

Salama is a name that is well-established and trusted for UAE customers seeking Islamic-compliant car insurance.

5. Orient Insurance – Ideal for Luxury and High-Value Cars

Orient is among the top soundest financially insurers within the UAE. Orient belongs to Al-Futtaim Group, and Oriental boasts an A+ rating by AM Best that positions it as a popular choice among proprietors of high-cost or luxury cars.

Orient offers:

Agency repair coverage for 5 years

Medical bills and personal accident cover

Replacement vehicle roadside assistance

Imported or high-cost car add-ons

Orient is renowned for prompt settlement of claims and smooth coordination with car showrooms, particularly Dubai, Abu Dhabi, and Sharjah. Premiums could be a bit higher, but coverage is comprehensive and customer service is top class.

In case your vehicle is luxury or you care most about claims reliability, then Orient is one of the top motor insurance firms in the UAE.

What is the Minimum Vehicle Insurance Required in the UAE?

In the UAE, it's mandatory by law to have third-party car insurance liability. This covers damage to another car or other individuals' injury due to an accident caused by you.

- Third-party cover doesn't, however, extend to:

- Damage to your own car

- Theft and/or fire

- Natural disasters

- Personal injury protection

Most car owners in the UAE prefer comprehensive car insurance so they can be more covered and worry less. Comprehensive and third-party cover are offered by all five insurers discussed in this article.

Can I buy car insurance online in the UAE?

Yes, buying car insurance online is very convenient in the UAE via secure websites like Shory or directly from companies like Awnic, Salama, and ADNTC.

- Benefits of buying online are:

- Instant comparison of several quotes

- Quick policy issuance and disbursement

- Secure online payment

- Live add-ons with customizable prices

Online portals also enable easy renewal arranging, claims monitoring, and downloading of documents—perfect for busy drivers.

How to Choose the Best Car Insurance in the UAE?

When comparing, remember:

- Policy type: Third-party or comprehensive do you require?

- Deductible: Lower deductibles are more costly

- Add-ons: Personal accident cover or off-road protection do you require?

- Repair network: Is your garage covered

- Digital support: Can you deal with your policy online?

With a comparison site like Shory, you can compare all these factors in one place and make a rational, well-informed decision in a matter of minutes.

Last Words: Which Car Insurance Provider Should You Be Choosing?

The best car insurance company in the UAE will depend on your budget, car model, and the type of service you expect.

Shory is ideal if you need to compare and buy quickly.

Awnic is ideal for digital support with human follow-up.

ADNTC offers ethical, Takaful-based insurance of high value.

Salama offers Islamic compliance along with adaptable policies.

Orient is ideal for high-end cars and rapid claims.

For the easiest way to be insured today, start with Shory, where you are able to compare all top-rated providers in one place.